listed May 13, 2026Single Family Residence▼ Price cut: $36,100 (10/25)
$862,900
3-Bedroom Home in Amelia Island
5012 Karen Street, Fernandina Beach, FL 32034
Single Family Residence in Amelia Island, Fernandina Beach · No CDD on record
Amelia Island · Fernandina Beach, FL 32034 · Nassau County
Listing data checked against the MLS November 3, 2026 at 12:31 PM ET · rechecked hourly
Listed by FERNANDINA BEACH REALTY (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
2,172Sq Ft
2019Year Built
$397Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
24% below
$/sq ft vs community
$397 here vs $524 median sold (12 mo)
Buyer leverage
Strong buyer advantage
172 days on market
6.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $863k tops 9 of the last 12 closed sales; also one of the largest homes here at 2,172 sq ft
5012 KAREN Street in Amelia Island, Fernandina Beach is listed at $862,900 (2,172 sq ft, about $397 per sq ft). That sits within a few percent of Amelia Island's median closed sale of $960,000 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $524/sq ft by about 24%. It has been listed May 13, 2026, longer than the community's typical 23 days to contract. Listing facts: built in 2019, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2019 · 7 yrs
2,172 sq ft of living area
2-car garage
Listed at $862,900 — recent neighborhood median sale price ~$960,000 (nearby sales; deemed reliable, not an appraisal)
listed May 13, 2026
No HOA reported by the listing (confirm)
School district: Golf 99 holes islandwide County Nassau County Florida Schools Nassau County SchoolsCommunity built 1941–2025Marché Côtier · 1 min driveHola Cuban Cafe · 1 min driveCentral Park · 2 min drive
Listing description
About this home
Don't let this one pass you by! This home can be rented SHORT-TERM and is within WALKING DISTANCE TO THE BEACH. It is located in the county with LOWER TAXES.
Live the coastal lifestyle on Amelia Island's desirable South End! This SEDA-built 3-bedroom, 2-bath home with a dedicated office offers quality craftsmanship and easy island living. Designed for comfort and style, the open floor plan connects spacious living, dining, and kitchen areas -- perfect for entertaining or relaxing after a day in the sun.
Enjoy durable tile flooring throughout, ideal for a beach lifestyle, plus a neutral design ready for any décor. The kitchen sink is outfitted with a reverse osmosis filter for safe drinking water. The screened patio creates an inviting outdoor retreat to hear the ocean waves from your back porch, while the large lot provides space to consider a pool and personalize your backyard oasis.
Built by trusted local builder SEDA in 2019, this property combines modern construction, timeless finishes, and an unbeatable location near Amelia Island beaches, restaurants, and shopping. Whether you're seeking a full-time residence, vacation home, or investment property, this South End Amelia Island home delivers coastal charm, lasting value, and the best of Florida island living.
All 48 photos
Description provided by FERNANDINA BEACH REALTY and reproduced from the MLS; not independently verified.
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold May 2026
$1,045,000
1908 SPRINGBROOK Road, Fernandina Beach
3 / 2.5 bd/ba · 2,168 sq ft · $482/sq ft
· View details →
Sold Jan 2026
$646,016
563 PATRIOTS Way, Fernandina Beach
4 / 2 bd/ba · 2,157 sq ft · $299/sq ft
· View details →
Sold Aug 2026
$1,000,100
2415 LOS ROBLES Drive, Fernandina Beach
3 / 2 bd/ba · 2,202 sq ft · $454/sq ft
· View details →
Sold Feb 2026
$1,350,000
4 MOSS OAKS Drive, Fernandina Beach
3 / 2 bd/ba · 2,205 sq ft · $612/sq ft
· View details →
Sold Jun 2026
$760,000
96014 ENCLAVE Manor, Fernandina Beach
3 / 3 bd/ba · 2,113 sq ft · $360/sq ft
· View details →
Sold Aug 2026
$739,000
536 SPANISH Way, Fernandina Beach
3 / 2 bd/ba · 2,111 sq ft · $350/sq ft
· View details →
Median of these 6 sales: $960,000 ($524/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$862,900
Bed / bath3 / 2
Living area2,172 sq ft
Year built2019
Property typeSingle Family Residence
Garage2-car
MLS #2144822
Listing statuslisted May 13, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
CountyNassau
Area listings4 active · 2 under contract
Estimated first-year tax~$10,800/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$397
Estimated monthly payment$5,873
Insurance (illustrative)$2k–$4k/yr
Messtimate range$760,200 – $1,046,904
Comparable-sales median$960,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$5,873/mo
Principal & interest $4,705/mo80%
Taxes $900/mo15%
Insurance $269/mo5%
$5,873/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Nassau County rate (13.28 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $2,525/yr ($210/mo) — taxable value $190,999 × 13.28 mills
$8,275 more each year
(+328%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$646,135
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$837,134
Market value
$374,053
Assessed
$190,999
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 5012 Karen Street
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $2,525/yr (certified county roll, taxable value × millage). Buy at the asking price of $862,900 and the first-year bill resets to about $10,800/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.28 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Nassau County is $1,159/yr (389 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2019. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $997/month (tax $900, insurance $97). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~15 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Amelia Island
Pricing & the Amelia Island market
How this home is priced against recent nearby sales, and where Amelia Island has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2019BuiltPer public record
About May 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about May 13, 2026)
Jul 2, 2026First seen on movewithmomentum.comObserved at $899,000
Oct 3, 2026Price cut$862,900 (-$36,100, -4.0%)
Oct 4, 2026Price increase$899,000 (+$36,100, +4.2%)
Oct 25, 2026Price cut$862,900 (-$36,100, -4.0%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $862,900FERNANDINA BEACH REALTY · listed May 13, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
75/100
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional
75/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $397/sq ft vs the community 12-month median $524/sq ft.
Affordability67
List price $862,900 vs the community median $960,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2019 build. Obtain a property-specific quote.
Market liquidity49
Community median 24 days on market, ~6.9 months of supply (12-month record).
Pricing power57
Recent sales closed at about 96.7% of original asking (~3.3% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.9 months of supply in the surrounding market and 172 days on market for this home, against a 24-day area median.Days on market:this home 172Area median: 24 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of November 1, 2026.
🟡 Asking $397 per square foot, about 24% below the community’s $524 median. Amelia Island’s 12-month median sold price per square foot is $524. Confidence: Low · 4 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Amelia Island sales closed near 96.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending November 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Amelia Island, no CDD assessment.
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FERNANDINA BEACH REALTY · MLS # 2144822
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Keep looking
Similar homes for sale near Amelia Island
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Demolition of Brett's Waterway starts at Fernandina Harbor Marina
Crews began tearing down Brett's Waterway, open since 1984, following years of disputes over its failing foundation, with demolition expected to run several weeks. The work is part of the city's 12.5 million dollar marina redevelopment focused on resiliency, marina operations and riverfront access, with completion expected around December 2027. Whether a new restaurant returns to the site has not been decided.
Why it matters: An upgraded marina could add long term value to the downtown waterfront, while the gap in riverfront dining may be noticeable through construction.
Brett's Waterway Cafe demolition expected the last week of October
Fernandina Beach officials say contractors have nearly finished mobilizing for the Marina Redevelopment Project and expect to take down the Brett's Waterway Cafe building in the final week of October, according to the city's weekly progress report.
Why it matters: Progress on the waterfront rebuild could support downtown property interest, while construction may limit parking and access for a time.
The Little Gym franchise scheduled to open July 18 at 96032 Victoria's Place
A Little Gym franchise is scheduled to open July 18 at 96032 Victoria's Place in Fernandina Beach. The location offers movement and gymnastics classes for ages 4 months through 12 years and is owned and operated by Karen and Josh Womack. It is a franchise of the national children's movement and development program.
Why it matters: Service and recreation tenants taking commercial space may reflect steady leasing activity around Fernandina Beach, though one franchise opening is a thin indicator on its own.
Fernandina Beach Publix reopens after year long renovation
The Publix supermarket in Fernandina Beach reopened following roughly a year of renovations. The island had operated with reduced grocery options during the closure, which overlapped with a separate Winn Dixie closure dating to 2025.
Why it matters: Restored grocery service on the island could improve everyday retail convenience for nearby homes after an extended gap.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Southside Elementary SchoolPK-2 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Emma Love Hardee Elementary School3-5 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina Beach Middle School6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina Beach High School9-12 · Nassau County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Marché Côtier 1 min
Shopping
Amelia Village Shoppes 5 min
Parks
Central Park 2 min
Health
Baptist Nassau Emergency Room 6 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 5012 KAREN Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,172 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $10,800/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $8,275 more per year than the current owner’s estimated bill (+328%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 3, 2026)
Comparable sales
realMLS closed sales within about 3 miles, last 18 months, as of November 1, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 5012 KAREN Street and when was it built?
Per the listing record, 5012 KAREN Street was built in 2019 and has 2,172 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5012 KAREN Street in?
5012 KAREN Street is in Amelia Island in Fernandina Beach, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5012 KAREN Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 5012 KAREN Street differ from the current owner's?
The estimate on this page (about $10,800 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $8,275 more per year than the current owner’s estimated bill (+328%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5012 KAREN Street in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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See 5012 KAREN Street in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of FERNANDINA BEACH REALTY
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
